Global money Movement
Send and receive money with Xago's innovative cross-border money transfer solution designed to reduce costs and currency volatility. For businesses and individuals.
Settles in
Minutes, not days
Pegged
1:1 to fiat · on XRPL
Trusted By
Why treasuries and remitters choose Xago
Compliant, on-ledger cross-border settlement — priced per transaction, built for the corridors that matter.
Per-transaction pricing
No monthly fees or lock-in. You pay only when you move money — cost scales with usage, not headcount.
FSCA-regulated
Xago Technologies Pty Ltd is authorised and regulated by South Africa’s Financial Sector Conduct Authority.
XRP Ledger settlement
Transfers settle on-chain in minutes, not days, with verifiable finality on every corridor.
1:1 fiat-pegged stablecoins
Value moves as stablecoins pegged 1:1 to supported fiat, backed by reserves — not speculative crypto.
Hard-to-reach corridors
Purpose-built to serve routes that traditional banking rails are slow, costly, or unable to reach.
Treasury & remitters
One rail for corporate treasury operations and individual remitters alike — the same compliant infrastructure.
Start using Xago in 3 simple steps
From sign-up to settlement in three steps.
Create your account
Sign up in minutes and complete standard KYC — individual or business — under Xago’s FSCA-aligned onboarding.
Connect your bank or wallet
Fund from fiat and convert into 1:1 fiat-pegged stablecoins, ready to move across supported corridors.
Start transacting
Send cross-border transfers that settle on the XRP Ledger in minutes — per transaction, with no monthly fees.
Powered by blockchain, built for real money movement
Xago orchestrates value on the XRP Ledger so funds move where traditional rails can't — quickly, affordably, and at reach.
Speed
Fast-track your cross-border money transfers — settlement in minutes, not days.
Cost
Cost-effective solutions and tailored payment channels, priced per transaction.
Reach
Transact with difficult-to-access currencies and corridors traditional rails miss.
2016
Founded in South Africa
FSCA
Regulated & licensed
1:1
Fiat-pegged stablecoins
XRPL
On-ledger settlement
Trusted to move money that matters
“We were losing days and a fortune in fees moving funds into African corridors. Xago settles the same transfers on the XRP Ledger in minutes, per transaction — our treasury finally has predictable cost.”
Thandeka N., Head of Treasury, Payments Group
Security and compliance, built in
Xago is regulated by the FSCA and operates to the same security standards expected of institutional payment providers.
FSCA Regulated
Licensed financial services provider, South Africa
256-bit Encryption
Bank-grade transport and data-at-rest security
SOC 2 Aligned
Independent controls over security and availability
PCI DSS Practices
Card and payment data handled to industry standard
Crypto assets are volatile and carry risk of loss. Stablecoin transactions on Xago are pegged 1:1 to supported fiat currencies but are not deposit-insured. Xago Technologies Pty Ltd is regulated by the FSCA; please review the applicable risk disclosures before transacting.
Security, pricing, and eligibility
Straight answers on how Xago is regulated, priced, and who can use it — no fine print buried in a help centre.
Xago Technologies Pty Ltd is regulated by the Financial Sector Conduct Authority (FSCA) in South Africa. Transfers move as stablecoins pegged 1:1 to their supported fiat currency on the XRP Ledger, settled under our licensed operating framework. Client funds and KYC data are handled under FSCA-aligned compliance controls, not ad-hoc internal policy.
Crypto assets can be highly volatile and are not suitable for all investors. Xago Technologies Pty Ltd is regulated by the FSCA. This page does not constitute financial advice.
Move money across borders, per transaction — no monthly fees.
FSCA-regulated · KYC-verified onboarding
Crypto assets are volatile and carry risk of loss. Xago Technologies Pty Ltd is regulated by the FSCA.